Colonial American Bank

Colonial American Bank is headquartered in Horsham and is the 190^th largest bank in the state of Pennsylvania. It is also the 6,069^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 22 employees at 1 location. Colonial American Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Colonial American Bank FDIC Certificate # 58412 BankRate Report View Year Established 2007 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $59.97 million Loans $44.52 million Deposits $42.35 million Equity Capital $13.29 million Loan Loss Allowance $604,000 Unbacked Noncurrent Loans $1.60 million Real Estate Owned $189,000 Historic Data - March 2011 Assets $19.85 million Equity Capital $1.29 million Loan Loss Allowance $225,000 Real Estate Owned $258,000 Profit Margin - Quarterly Net Interest Margin 3.15% Return on Assets -5.12% Return on Equity -19.5% Interest Income $495,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Colonial American Bank had $1.79 million in non-current loans and owned real-estate with $13.89 million in equity and loan loss allowances on hand to cover it. This gives Colonial American Bank a Texas Ratio of 12.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Colonial American Bank decreased slightly from 17.03% as of March 31, 2011 to 12.91% as of March 31, 2012, resulting in a positive change of 24.21%.This indicates that the balance sheet and financial strength for Colonial American Bank has improved slightly in recent periods. Deposit Growth In the past year, Colonial American Bank has increased its total deposits by $23.95 million, resulting in 130.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Colonial American Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Colonial American Bank has $59.97 million in assets with $13.89 million in equity, resulting in a capitalization level of 23.17%, which is excellent.

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